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Life Insurance for Chiropractors UK

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 2, 2026
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TL;DR

As a chiropractor, you dedicate your career to improving the health and wellbeing of others. You understand the intricate mechanics of the human body and the profound impact that physical alignment has on quality of life. But in focusing on your patients' long-term health, have you taken the time to secure your own financial future and that of your loved ones?

Key takeaways

  • Physical Demands: The repetitive nature of performing adjustments, coupled with prolonged periods of standing, can lead to musculoskeletal issues. A 2023 survey highlighted that musculoskeletal disorders remain a leading cause of work-related illness in the UK. For a chiropractor, an injury that might be a minor inconvenience for an office worker could be career-ending.
  • Self-Employment: A significant number of chiropractors in the UK are self-employed, either as sole traders or directors of their own limited companies. This means no access to employer-sponsored sick pay, death-in-service benefits, or private medical schemes. If you can't work, your income stops immediately.
  • Business Ownership: If you own a practice, your responsibilities extend beyond your personal income. You have overheads to pay—rent, staff salaries, equipment leases, and insurance. An unexpected absence due to illness or injury can jeopardise the entire business.
  • Duty of Care: You have a professional and emotional investment in your patients. The stress of financial uncertainty can compound the pressure of patient care, potentially leading to burnout.
  • Term Life Insurance: This is the most common and affordable type. It covers you for a fixed period (the 'term'), such as 25 years to align with a mortgage. If you die within this term, the policy pays out. If you survive the term, the policy ends, and there is no payout.

As a chiropractor, you dedicate your career to improving the health and wellbeing of others. You understand the intricate mechanics of the human body and the profound impact that physical alignment has on quality of life. But in focusing on your patients' long-term health, have you taken the time to secure your own financial future and that of your loved ones?

Your profession is both rewarding and physically demanding. It requires precision, strength, and stamina. This unique combination of professional skill and physical exertion places you in a specific risk category that generic financial advice often overlooks. Whether you are a self-employed associate, a locum, or the director of a thriving practice, a robust financial protection plan is not a luxury—it's a cornerstone of a successful career and a secure life.

This comprehensive guide will explore the essential insurance products every UK chiropractor should consider, from life insurance and critical illness cover to the all-important income protection. We will delve into the nuances of policies for the self-employed, explain business protection for practice owners, and provide clear, actionable advice to help you build a financial safety net that is as strong and reliable as the spinal care you provide.

Affordable protection for chiropractic specialists

Chiropractic work is a hands-on profession. Your ability to earn an income is directly linked to your physical health. A simple wrist injury, a chronic back problem, or a serious illness could significantly impact your capacity to perform adjustments and run your practice.

Consider these key factors specific to your profession:

  • Physical Demands: The repetitive nature of performing adjustments, coupled with prolonged periods of standing, can lead to musculoskeletal issues. A 2023 survey highlighted that musculoskeletal disorders remain a leading cause of work-related illness in the UK. For a chiropractor, an injury that might be a minor inconvenience for an office worker could be career-ending.
  • Self-Employment: A significant number of chiropractors in the UK are self-employed, either as sole traders or directors of their own limited companies. This means no access to employer-sponsored sick pay, death-in-service benefits, or private medical schemes. If you can't work, your income stops immediately.
  • Business Ownership: If you own a practice, your responsibilities extend beyond your personal income. You have overheads to pay—rent, staff salaries, equipment leases, and insurance. An unexpected absence due to illness or injury can jeopardise the entire business.
  • Duty of Care: You have a professional and emotional investment in your patients. The stress of financial uncertainty can compound the pressure of patient care, potentially leading to burnout.

A tailored insurance portfolio is designed to mitigate these specific risks, providing you with peace of mind and allowing you to focus on what you do best: caring for your patients.

Understanding the Core Protection Policies

Navigating the world of insurance can seem daunting, but the core products are straightforward. They are designed to provide a financial payout at different life events, ensuring you and your family are protected against the unexpected. Let's break down the three pillars of personal protection.

1. Life Insurance

Life insurance pays out a lump sum or a regular income to your loved ones if you pass away during the policy term. Its primary purpose is to replace your lost income and clear outstanding debts, ensuring your family's financial stability.

There are two main types:

  • Term Life Insurance: This is the most common and affordable type. It covers you for a fixed period (the 'term'), such as 25 years to align with a mortgage. If you die within this term, the policy pays out. If you survive the term, the policy ends, and there is no payout.
    • Level Term: The payout amount remains the same throughout the policy term. Ideal for covering an interest-only mortgage or providing a lump sum for your family's living expenses.
    • Decreasing Term: The payout amount reduces over time, typically in line with a repayment mortgage. As your mortgage debt decreases, so does the level of cover, making it a cheaper option.
  • Whole of Life Insurance: As the name suggests, this policy covers you for your entire life and guarantees a payout whenever you die. It's more expensive but is often used for estate planning, such as covering a future Inheritance Tax (IHT) bill or leaving a guaranteed legacy.
FeatureLevel Term InsuranceDecreasing Term InsuranceWhole of Life Insurance
PurposeProtect family, cover interest-only mortgageCover a repayment mortgage or other reducing debtLeave a legacy, cover funeral costs, IHT planning
PayoutFixed lump sumDecreasing lump sumGuaranteed lump sum
Policy TermFixed period (e.g., 25 years)Fixed period (e.g., 25 years)Your entire life
CostAffordableMost affordableMore expensive

For a chiropractor, life insurance can ensure your business partner can buy your share of the practice, your family can pay off the mortgage, and your children's future education is funded.

2. Critical Illness Cover (CIC)

Critical Illness Cover provides a tax-free lump sum if you are diagnosed with one of a specific list of serious medical conditions defined in the policy. It is designed to cushion the financial blow of a life-altering illness.

  • Why is it crucial for a chiropractor? A diagnosis of cancer, a heart attack, or a stroke could prevent you from ever practising again. The lump sum from a CIC policy can be used for anything:
    • Clear your mortgage or other debts.
    • Pay for private medical treatment or specialist rehabilitation.
    • Adapt your home to your new needs.
    • Fund a career change if you can no longer practice.
    • Provide a financial buffer while you recover, without the stress of needing to return to work.

According to Cancer Research UK, there are around 375,000 new cancer cases in the UK every year. The British Heart Foundation reports over 100,000 hospital admissions for heart attacks each year. These are not remote possibilities; they are real risks that can have devastating financial consequences without a safety net.

3. Income Protection Insurance

For a hands-on professional like a chiropractor, Income Protection is arguably the most vital insurance policy you can own. It is designed to pay you a regular, tax-free monthly income if you are unable to work due to any illness or injury.

Unlike Critical Illness Cover, which pays a one-off lump sum for a specific condition, Income Protection provides an ongoing salary replacement for as long as you are unable to work, potentially right up to your chosen retirement age.

The 'Own Occupation' Definition: A Non-Negotiable for Chiropractors

This is the single most important feature to look for in an Income Protection policy. The definition of incapacity determines when you can claim.

  • Own Occupation: The policy pays out if you are unable to perform the material and substantial duties of your specific job as a chiropractor. If a hand injury prevents you from performing spinal adjustments, you can claim, even if you are medically capable of working in a different role, such as teaching or administrative work.
  • Suited Occupation: The policy will only pay out if you cannot do your own job or any other job for which you are suited by education, training, or experience. An insurer could argue that you are still able to work as a lecturer and therefore decline your claim.
  • Any Occupation: This is the weakest definition. It only pays out if you are so incapacitated that you cannot perform any kind of work at all.

For a specialist professional, accepting anything less than an 'own occupation' definition fundamentally undermines the value of the policy. At WeCovr, we specialise in helping professionals like you find insurers who offer this crucial level of protection, ensuring your policy will be there for you when you need it most.

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Specialist Insurance for Self-Employed Chiropractors and Practice Owners

Your business structure dictates the type of protection you need. The solutions for a solo practitioner are different from those required for a multi-chiropractor clinic.

For the Self-Employed Associate or Sole Trader

If you work for yourself, you are solely responsible for your financial security. There is no safety net of employer benefits.

  • Income Protection: This is your primary defence. It acts as your personal sick pay scheme, providing a continuous income stream if you're signed off work. You can tailor the 'deferment period' (the time between falling ill and the payments starting) to match your savings. A longer deferment period of 3 or 6 months will result in a lower premium.
  • Personal Sick Pay: These policies are a form of short-term income protection, typically paying out for a maximum of 1 or 2 years. They are often simpler to arrange and can be a good starting point or a supplement for those in more physically risky trades. However, for a long-term career professional, a full income protection policy offers more comprehensive security.
  • Life and Critical Illness Cover: Essential for protecting your personal liabilities like your mortgage and providing for your family, just as it is for an employed person.

For the Chiropractic Practice Owner (Limited Company Director)

As a director, you can leverage your company to provide protection in a highly tax-efficient manner. This is often more cost-effective than paying for policies personally.

Protection TypeWhat It DoesKey Benefit for a Chiropractic Practice
Executive Income ProtectionThe company pays the premiums for an income protection policy for a director.Premiums are an allowable business expense. Benefits are paid to the business, which can then distribute them as income, maintaining cash flow.
Relevant Life CoverA company-paid death-in-service policy for a director. The payout goes to their family via a trust.Premiums are a business expense and it's not a 'benefit in kind', so there's no personal tax liability. A very tax-efficient way to get life cover.
Key Person InsuranceThe business takes out a policy on a key individual (e.g., the principal chiropractor).The payout goes to the business to cover lost profits, recruit a replacement (locum), or repay business loans if that key person dies or falls critically ill.
Shareholder/Partnership ProtectionProvides funds for the remaining owners to buy the shares of a partner who dies or becomes critically ill.Ensures smooth succession and business continuity. The family receives a fair value for their shares, and the remaining partners retain control.

These business protection policies are not just "nice to have"; they are fundamental to the resilience and longevity of your practice. A Key Person policy, for instance, can be the difference between your clinic surviving your extended absence and having to close its doors.

At WeCovr, our expert advisors can walk you through the complexities of business protection, helping you structure a plan that protects both your personal and business interests in the most tax-efficient way possible.

How Insurers View Chiropractors: Underwriting and Premiums

When you apply for insurance, the provider undertakes a process called 'underwriting' to assess your level of risk. They look at several factors to determine your premium.

Key Factors Influencing Your Premiums:

  • Age: The younger and healthier you are, the cheaper your premiums will be.
  • Health: Your current health, medical history, and any pre-existing conditions.
  • Smoker Status: Smokers pay significantly more than non-smokers due to the proven health risks.
  • Lifestyle: Your alcohol consumption, hobbies (e.g., extreme sports), and travel plans.
  • Occupation: Insurers classify jobs based on risk. As a chiropractor, your role is generally seen as a professional, low-risk occupation (Class 1 or 2). This is good news, as it means you benefit from standard or even preferential rates for life and critical illness cover.
  • Cover Amount & Term: The higher the payout and the longer the policy term, the higher the premium.

For Income Protection, insurers will be particularly interested in any history of musculoskeletal problems (back, neck, wrist, or shoulder pain). It is vital to be completely honest on your application form. Non-disclosure can lead to a claim being denied, rendering your policy useless. An experienced broker can help you frame your application accurately, especially if you have a complex medical history.

Illustrative Costs: What Might You Expect to Pay?

Premiums are highly individual, but it can be helpful to see some examples. The figures below are illustrative monthly premiums for a healthy, non-smoking chiropractor.

Policy Type: Level Term Life Insurance (£300,000 over 25 years) (illustrative estimate)

AgeEstimated Monthly Premium
30£12 - £18
40£20 - £30
50£50 - £75

Policy Type: Income Protection ('Own Occupation', £3,000/month benefit, payable to age 65, 3-month deferment) (illustrative estimate)

AgeEstimated Monthly Premium
30£40 - £65
40£70 - £110
50£140 - £220

Disclaimer: These premiums are for illustrative purposes only and are not a quote. The actual cost will depend on your individual circumstances, health, lifestyle, and the insurer chosen. Data collated from leading UK insurers, March 2025.

As you can see, locking in protection at a younger age secures much lower premiums for the life of the policy. The cost of waiting is significant.

A Holistic Approach to Your Wellbeing

Financial protection is one part of a bigger picture. As a healthcare professional, you know that true wellness is multifaceted. Integrating healthy habits into your life not only improves your quality of life but can also help keep your insurance premiums down.

  • Protect Your Body: You are your most important asset. Pay close attention to your own posture and biomechanics. Schedule regular adjustments for yourself, incorporate strength training to support your joints, and use proper technique to minimise strain.
  • Manage Your Mind: Running a business and caring for patients is stressful. Prioritise mental health through mindfulness, regular breaks, and maintaining a healthy work-life balance.
  • Fuel Your Health: A balanced diet is fundamental. Good nutrition supports your immune system, energy levels, and overall physical resilience. WeCovr is committed to our clients' long-term health, which is why we provide complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. It’s a small way we can support you in maintaining the healthy lifestyle that underpins your career.
  • Plan Your Finances: Insurance is the defensive part of your financial plan. It should work alongside your pension for retirement, savings for short-term goals, and investments for long-term growth.

How to Get the Right Cover: A Simple, Step-by-Step Guide

  1. Assess Your Needs: Start by asking the big questions. What debts do you have (mortgage, business loans)? What are your family's monthly living costs? How much income would you need to replace if you couldn't work?
  2. Review Your Existing Cover: Do you have any old policies or 'death-in-service' benefits from a previous employer? Check what they cover and if they are still fit for purpose.
  3. Set Your Budget: Be realistic about what you can afford each month. It's better to have a slightly lower level of cover that you can maintain than a perfect policy you let lapse after a year.
  4. Speak to an Independent Specialist: This is the most important step. The UK insurance market is vast and complex. An independent broker like WeCovr works for you, not the insurance companies. We can:
    • Compare the whole market: We access policies from all major UK insurers, finding the best terms and prices.
    • Provide expert advice: We understand the specific needs of chiropractors and can recommend policies with the crucial 'own occupation' definitions.
    • Handle the application: We help you complete the paperwork correctly, ensuring full and proper disclosure to give you the best chance of a successful claim in the future.
    • Place your policy in trust: For life insurance, we can help you write the policy into a trust, which ensures the payout goes directly to your beneficiaries quickly and avoids being part of your estate for Inheritance Tax purposes. This service is often free.

Building a comprehensive protection portfolio is one of the most important financial decisions you will ever make. It provides the foundation upon which you can build your practice, support your family, and live your life with confidence and peace of mind.


As a chiropractor, why is an 'own occupation' definition so important for income protection?

The 'own occupation' definition is critical because your ability to earn is tied to specific physical skills. This definition means your policy will pay out if you are unable to perform the main duties of your specific job as a chiropractor. For example, if a wrist injury stops you from performing adjustments but you could still theoretically work in an administrative or teaching role, an 'own occupation' policy would pay out. A lesser definition, like 'suited occupation', might not, as the insurer could argue you are still fit for other work based on your qualifications.

I'm a self-employed chiropractor. Are my insurance premiums tax-deductible?

For personal policies like life insurance, critical illness cover, and income protection paid for by you as a sole trader, the premiums are generally not considered a tax-deductible business expense. They are paid from your post-tax income. However, if you operate as a limited company, you can arrange for certain policies like Executive Income Protection and Relevant Life Cover to be paid by the business. In these cases, the premiums are typically an allowable business expense, making them highly tax-efficient.

Do I need a medical exam to get life insurance?

Not always. For many people, especially those who are younger and applying for a moderate amount of cover, insurers can make a decision based on the answers you provide on your application form. However, a medical exam, nurse screening, or a report from your GP may be requested if you are older, applying for a very large amount of cover, or have declared pre-existing medical conditions. It's best to be prepared for this possibility.

I have a history of minor back pain. Can I still get income protection?

Yes, you can usually still get cover. It is crucial to declare any history of back pain, no matter how minor. The insurer will likely do one of three things: 1) offer you cover on standard terms if the issue was minor and long ago; 2) offer you cover with an 'exclusion' for back-related conditions, meaning you can't claim for that specific issue; or 3) offer you cover with an increased premium (a 'loading'). An expert broker can help you approach the most suitable insurers for your specific history.

What is Key Person Insurance and does my chiropractic clinic need it?

Key Person Insurance is a policy taken out by your business on a crucial individual—likely you as the principal chiropractor or perhaps a highly skilled practice manager. If that person were to die or suffer a critical illness, the policy pays a lump sum to the business. This money can be used to cover lost profits, hire a locum, repay business loans, or wind the business down in an orderly fashion. If the loss of one person would significantly impact your clinic's revenue and stability, then you should strongly consider Key Person Insurance.

How can a broker like WeCovr help me find the right policy?

An independent broker like WeCovr acts as your expert guide. Instead of you approaching insurers one by one, we use our knowledge and systems to scan the entire market on your behalf. We identify the insurers with the most competitive prices and the most favourable terms for your profession (such as 'own occupation' cover). We assist with the application, help you place the policy in trust, and provide unbiased advice tailored to your unique personal and business needs, saving you time, hassle, and money.

Sources

  • Office for National Statistics (ONS): Mortality, earnings, and household statistics.
  • Financial Conduct Authority (FCA): Insurance and consumer protection guidance.
  • Association of British Insurers (ABI): Life insurance and protection market publications.
  • HMRC: Tax treatment guidance for relevant protection and benefits products.

Related tools

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Critical Illness CalculatorOpen →
Inheritance Tax CalculatorOpen →
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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

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Why life insurance and how does it work?

What is Life Insurance?

Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.

How does it work?

Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.

The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.

With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.

Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.

Questions to ask yourself regarding life insurance

Just ask yourself:
👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?

Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.

Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.

Benefits offered by income protection, life and critical illness insurance

Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.

Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.

If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.

Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.

In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.

Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.

And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?

Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:

  • Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
  • Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.

Types of life insurance policies

Common reasons for getting a life insurance policy are to:
✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs

Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.

Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.

Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.

Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.

Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.

Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.

Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.

Important Fact!

There is no need to wait until the renewal of your current policy.
We can look at a more suitable option mid-term!

Why is it important to get life insurance early?

👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.

👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.

Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of experienced advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.

It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.

You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.

By tapping the button below, you can book a free call with them in less than 30 seconds right now:

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Any questions?

Life, income protection, and/or critical illness insurance are safety nets, very important at a difficult time. If anything happened to you before your cover ends, your life or critical illness insurance would pay a lump sum to your family and/or you (if you took a critical illness or income protection cover) to help cover the losses. Being diagnosed with a critical illness can be devastating, and it won't help matters to be also worrying about how you would cope financially. With a life, income protection, or critical illness policy, you can choose how much cover you need, how you want the policy to pay out, and whether you want cover for both you and your partner. Income protection insurance pays you a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire. Also known as permanent health insurance, it is quite important for anyone who relies on a paycheck to cover their living costs, but it's particularly important if you're self-employed or own a small business, where your income might be a bit less stable.

Life, income protection, and critical illness insurance pay out millions to families every day. Your expert will explain to you that you need to be honest and open when applying for your insurance.

If you're single with no dependants then it may be that you don't need life assurance. However, if you were to become seriously ill and unable to work, you may benefit from a critical illness or income protection policy. They can help you keep up to date with your rent, bills, food, and other expenses.

It's free to use WeCovr to find life, income protection, and critical illness insurance - we never charge you for quotes. Critical illness, income protection, and life insurance is an investment that pays many times over for you and/or your loved ones.

Life, income protection, and critical illness insurance are important financial products that insurance companies take a lot of care and diligence, so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our insurance partners give us a few pounds when you take out a policy with one of their experts.

The cost of life insurance depends on several factors, including your age, occupation, health status, and the level of coverage you choose. Your life insurance policy is tailored to your needs, and the cost can vary based on the sum assured, policy term, and other factors.

Some life insurance policies offer an option to add critical illness cover as a rider or as a separate policy. This provides a lump sum payment if you are diagnosed with a critical illness covered by your policy, offering financial support during a difficult time.

Yes, life insurance is available to self-employed individuals to provide financial protection for their loved ones in the event of their death. It ensures that your family can maintain their standard of living and cover expenses such as mortgage payments, bills, and education costs.

If you outlive your life insurance policy and it expires without a claim, you will not receive any payout. Term life insurance policies are designed to provide coverage for a specific period, and once that period ends, the policy terminates without any residual value. However, you can typically renew or purchase a new policy if you still need coverage.

Critical illness insurance provides a lump sum payment if you're diagnosed with a serious illness covered by your policy, offering financial support during a difficult time. It can help cover medical expenses, mortgage payments, and other financial obligations while you focus on recovery.

Critical illness insurance covers a range of serious illnesses and medical conditions specified in your policy, such as cancer, heart attack, stroke, and organ failure. The lump sum payment can be used to cover medical treatment, ongoing care, and living expenses during your recovery.

The cost of critical illness insurance varies depending on factors such as your age, health status, lifestyle, and the level of coverage you choose. Our experts can provide personalised quotes to help you find affordable coverage.

Yes, you can have critical illness insurance alongside your health insurance coverage. Critical illness insurance provides additional financial protection specifically for serious illnesses, complementing your health insurance benefits.

Critical illness insurance policies typically have exclusions for pre-existing conditions and certain medical conditions not covered by the policy. It's essential to review the terms and conditions of your policy to understand what is and isn't covered.

Some critical illness insurance policies may provide coverage for recurring illnesses, while others may not. It's crucial to review the policy terms and understand the specific conditions under which you can make additional claims for recurring illnesses. Your insurer can provide more details on their coverage for recurring critical illnesses.

Yes, you can customise your life insurance policy to suit your individual needs and circumstances. Options may include choosing the sum assured, policy term, premium payment frequency, and additional riders for enhanced coverage.

If you miss a premium payment for your life insurance policy, your coverage may lapse, and your policy could be terminated. However, many insurers offer a grace period during which you can make the payment to keep your policy active. It's essential to contact your insurer to discuss your options if you're unable to make a payment.

Yes, you can typically change the beneficiary of your life insurance policy at any time by completing a beneficiary change form provided by your insurer. It's essential to keep your beneficiary designation up to date to ensure that the proceeds are distributed according to your wishes.

Term life insurance provides cover for a fixed period, such as 10, 20 or 30 years, and pays out a lump sum if you die during that time. It’s often chosen to protect a mortgage or to provide financial support while dependants still rely on your income. Whole-of-life insurance is designed to last for the rest of your life and guarantees a payout whenever you die, as long as premiums are maintained. It’s usually more expensive than term insurance and is sometimes used to help with inheritance tax planning or to leave a guaranteed legacy.

Some term life insurance policies offer the option to convert to a whole life insurance policy without the need for a medical exam or new underwriting. This conversion feature allows you to maintain coverage beyond the term of your policy and provides lifelong protection.

Some life insurance policies offer accelerated death benefits or living benefits that allow you to access a portion of the death benefit if you are diagnosed with a terminal illness. This feature provides financial assistance to help cover medical expenses and other costs during your final months.

While having savings can provide a financial cushion during tough times, income protection insurance offers additional security by replacing a portion of your income if you're unable to work due to illness or disability. It ensures that you can maintain your standard of living and cover essential expenses even if your savings are depleted.

Yes, self-employed individuals can claim income protection insurance if they're unable to work due to illness or disability. Income protection provides a regular income stream to replace lost earnings, helping self-employed individuals cover their living expenses and business costs during periods of incapacity.

The waiting period, also known as the elimination period, is the length of time you must wait after becoming unable to work due to illness or disability before you can start receiving benefits from your income protection insurance policy. Waiting periods typically range from 30 to 90 days, but longer waiting periods may result in lower premiums.

Income protection insurance is designed to provide financial support if you're unable to work due to illness or disability, not for redundancy. However, some policies may offer optional redundancy cover or unemployment cover as an additional benefit, providing a lump sum or monthly payments if you're made redundant.

The tax treatment of income protection insurance benefits depends on whether the premiums were paid with pre-tax or after-tax dollars. Benefits from policies funded with after-tax dollars are typically tax-free, while benefits from policies funded with pre-tax dollars may be subject to income tax. It's essential to consult with a tax advisor to understand the tax implications of your income protection insurance benefits.

Income protection insurance provides a regular income stream if you're unable to work due to illness or disability, while critical illness insurance provides a lump sum payment if you're diagnosed with a covered critical illness, such as cancer, heart attack, or stroke. Critical illness insurance offers financial support to cover medical expenses, living costs, or other obligations during your recovery.

Income protection insurance policies typically have a waiting period (also known as an elimination period) during which you do not receive benefits. If you become unable to work before this waiting period ends, you will not receive any income protection benefits until the waiting period has elapsed. It's important to have sufficient savings or other financial resources to cover your expenses during this initial period.

Many income protection insurance policies allow you to increase your coverage amount if your income rises, without the need for additional underwriting or medical examinations. This feature, sometimes called a 'guaranteed insurability option,' ensures that your coverage keeps pace with your increasing income and financial obligations.

The maximum age to purchase critical illness insurance varies depending on the insurer and the specific policy. While some insurers may offer critical illness insurance up to age 70 or beyond, others may have lower age limits. It's essential to check with insurers to determine their age eligibility criteria for purchasing critical illness insurance.

Whether you can get critical illness insurance if you have pre-existing conditions depends on the insurer's underwriting guidelines and the specific medical conditions. Some insurers may offer coverage with exclusions for pre-existing conditions, while others may decline coverage altogether. It's essential to disclose any pre-existing conditions when applying for critical illness insurance and discuss your options with insurers.

While health insurance provides coverage for medical expenses, critical illness insurance offers financial protection for broader expenses associated with a serious illness, such as lost income, household bills, and lifestyle changes. Critical illness insurance complements health insurance by providing additional financial support during a challenging time, ensuring that you can focus on recovery without worrying about financial burdens.

If you don't make a claim on your critical illness insurance during the policy term, you won't receive a benefit payout. However, having critical illness insurance provides peace of mind knowing that you're financially protected if you're diagnosed with a covered critical illness during the policy term. It's a form of financial preparation for unexpected events and offers valuable protection for you and your family.

If you outlive your critical illness insurance policy and don't make a claim for a covered critical illness during the policy term, the coverage will expire, and you won't receive a benefit payout. Critical illness insurance provides financial protection for a specific period, typically until a specified age or policy term, and offers peace of mind knowing that you're prepared for the unexpected.

Yes, many insurers offer optional riders or add-ons that you can add to your critical illness insurance policy for enhanced coverage. Common riders may include waiver of premium, which waives future premium payments if you become disabled, or return of premium, which refunds a portion of your premiums if you don't make a claim during the policy term. It's essential to review available riders with insurers to customise your coverage to meet your specific needs.

To make a claim on your critical illness insurance policy, you'll need to notify your insurer of your diagnosis and submit a claim form along with any required medical documentation, such as medical reports, test results, and physician statements. Once your claim is reviewed and approved by the insurer, you'll receive the lump sum benefit payment, which you can use to cover medical expenses, living costs, or other financial needs during your recovery.

As we age, the likelihood of encountering health complications increases for us all. In the event that you develop a severe medical condition, critical illness protection can assist with the expenses of crucial bills – enabling you to concentrate on recuperation or adjusting to your new health circumstance.

The typical expense of a Critical Illness protection policy will fluctuate based on aspects such as your age and medical background. As per our investigation, you can secure a policy starting from as low as £8 (for a non-smoking 21-year-old individual).

The most prevalent critical illnesses in the UK are cancer, cardiac arrest, and cerebrovascular accident (stroke).

Cancer is one of the primary causes for critical illness insurance claims in the UK. Cancer constitutes over 80% of critical illness cover claims for females and about 45% of critical illness claims for males.

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